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Joeread
Posts: 54 Forumite
Hi
I am in the process of buying a house with my girlfriend, we have had the mortgage offer and the bank have checked the house over and are happy to lend to us what we want.
I would like to get a joint bank account for bills only will this effect our credit scores as I am unsure if the credit check would have been done on the mortgage already?
Thank you
I am in the process of buying a house with my girlfriend, we have had the mortgage offer and the bank have checked the house over and are happy to lend to us what we want.
I would like to get a joint bank account for bills only will this effect our credit scores as I am unsure if the credit check would have been done on the mortgage already?
Thank you
0
Comments
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Once you have a joint mortgage, you will have a financial link to the other party. Opening a joint bank will create another link.
Take little/no notice of the score, it will go up and down with any changes.
Maybe hang off opening any new account of any kind until the mortgage has gone through completely.I’m a Forum Ambassador and I support the Forum Team on the Budgeting & Bank Accounts, Credit Cards, Credit File & Ratings and Energy boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
If you can't be the best -
Just be better than you were yesterday.0 -
As above, hold fire on the opening of a new account until the mortgage is done and dusted.0
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